1. General
1.1 We are Mastercard OB Services UK Limited (“MCOBS UK”, “we”, ”us” and ”our”) providing the Services (as defined in section 2.1 below). We are registered in England and Wales under company number 12507991 and have our registered office at 1 Angel Lane, London EC4R 3AB, UK. We are regulated by the Financial Conduct Authority (“FCA”) under the Payment Services Regulations 2017 as an authorised payment institution (firm reference number: 1007177) with permission to carry on the account information services comprising the Services (as below). For details on how to contact the FCA, please visit https://www.fca.org.uk/contact Mastercard OB Services UK Limited is registered with the Information Commissioner's Office, with reference number C1509955. Visit www.ico.org.uk for more information. Our VAT registration number is: GB710598928.
MCOBS UK may provide the Services described in section 2.1.2 through a third-party agent ("Agent") appointed by MCOBS UK and registered as MCOBS UK's agent with the FCA. [If MCOBS UK provides the Services (described in section 2.1.2) through an Agent, you will be informed of this whilst using our Services.
1.2 These terms of use (“Terms”) apply for access to our website at https://www.mastercard.com/gb/en/business/open-finance/managing-your-money-account-information-service.html and any other subdomain of our website used for providing the Services to you (“Website”) and usage of the Services (as defined in section 2.1 below) provided by us. By using our Services, you whether an individual or a legal person through a representative of that legal person (“you” or “your”) accept the Terms and you and MCOBS UK will enter into an agreement being the Terms together with any other terms you accept by using the Services (“Agreement”). Please read these Terms carefully and make sure you understand them before accepting them.
1.3 You may only use the Services if you are 18 years of age or older and a resident in the UK.
1.4 By using our Services, you acknowledge that information about you is provided by you and/or collected from your payment service provider who provides and maintains a payment account (“Payment Account”) for you as a payment service user for which we are able to provide account information services (“Payment Account Provider”); and is processed by us in accordance with, and for the purposes set out in our Privacy Notice Privacy Notice and you warrant that all information provided by you is accurate. You also acknowledge that you have read and understood our Privacy Notice.
1.5 Eligibility and availability: You can only use the Services if: 1) you fulfil the age and residence requirements in section 1.3; 2) you have a Payment Account and Payment Account Provider located in the UK; 3) you provide us with accurate, complete and up to date information on your identity and any other information we may ask from you; 4) you agree to this Agreement and using our Services in accordance herewith, and 5) you agree to comply with all applicable laws and regulations.
1.6 You may view an up to date copy of these Terms at any time or request us to send the latest version of the Terms to your email address.
2. Our Services
2.1 Our services will allow you to use our account information services to:
2.1.1 verify your Payment Account(s) and obtain consolidated payment account data, e.g. account name, account balance and payment transactions, from your online Payment Accounts (“Account Information”) and share it at your instruction (“Data Sharing"); and
2.1.2 share payment account information obtained through the services described in section 2.1.1 with a third party acting on our behalf as our Agent, at your instruction. We will display or provide that consolidated payment account data to you through our Agent and via the Agent's website or application (the "Agent Services"):and
2.1.3 securely view your account information, manage your consents (including withdrawing your consents) by emailing us at openbankingUK_Support@mastercard.com.
If, at your instruction, we share payment account data obtained through the services described in section 2.1.1 with a third party not acting as our Agent, the third party will use the payment account data acting independently of MCOBS UK. These third party services will not be Agent Services. The service uses described in this section are jointly and separately referred to as the “Services” and further explained in the sections below.
2.2 The Services can be provided to you following your referral to us through one of our service provider partners (a “Service Provider”) that provides their own service(s) to you under an agreement between you and the Service Provider (a “Service Provider Agreement”).
When Agent Payment Services are provided, the Agent will also be a Service Provider. In this scenario, you will receive service(s) directly from the Agent as Service Provider, acting for itself, under the Service Provider Agreement, as well as the Agent Payment Services from MCOBS UK through the Agent acting on behalf of MCOBS UK. Additionally, you will receive the Services described in sections 2.1.1 and 2.1.3 directly from MCOBS UK. References to MCOBS UK, "we", and "us" shall, where the context requires, include the Agent acting in the provision of the Agent Payment Services on behalf of MCOBS UK.
2.3 To use the Services, you must be the holder or representative of a holder of one or several Payment Accounts held with one or several Payment Account Providers; and such Payment Account(s) and Payment Account Provider(s) are located in the UK. You represent, warrant and undertake to us that you are the lawful holder or the representative of the lawful holder of the Payment Account(s) and have full right and power to access to the Payment Account(s) and to procure that we carry out the requested Services and utilisation of the Services on your behalf.
2.4 The Payment Accounts must be accessible online in order for the Services to be performed and each Payment Account Provider must provide a dedicated interface to us in compliance with its obligations under applicable laws which is operational at the time of the requested utilisation. We accept no responsibility for any non-availability of any such interface due to the Payment Account Provider’s acts or omissions. The Services can access / communicate with a wide array of Payment Account Providers but we do not guarantee that this is possible in relation to all Payment Account Providers.
On-going Data Sharing
3.1 You can consent to share your Account Information/associate your Payment Accounts with a Service Provider for an ongoing period. This consent authorises us to provide you with on-going Data Sharing. Your consent will remain valid for the period specified during the consent flow. If you do not renew your consent, it will expire, and we will stop retrieving new information from your Payment Accounts. Ninety (90) days after expiry, we may delete your Account Information in accordance with section 17.4 below.
3. One-time Data Sharing
3.3 You can share your Account Information/associate your Payment Accounts with a Service Provider for 24 hours only (“One-time User”). Your Account Information will be deleted after 24 hours. After you share your Account Information with the Service Provider, the data will be used for the purpose of providing the Service and will not be retained beyond what is necessary for that purpose. You will not have ongoing access to this information, and it cannot be retrieved once the Service is completed.
Services Security Credentials
3.4 You agree to keep all credentials comprising information provided by you, which you use to access the Services (“Services Security Credentials”) secure and confidential and you agree not to disclose any of them to any third party (in respect of your email address this means that you agree not to disclose to a third party that this email address is part of your Services Security Credentials for the Services).
3.6 We will not be liable for any harm, damage or loss from or relating to hacking, tampering or any unauthorised access to your information caused by your deliberately or grossly negligent failure to preserve the security and/or confidentiality of your Services Security Credentials.
4. Data
4.1 AAs part of your acceptance of these Terms you agree to the sharing of your Account Information with the Service Provider(s) you associate your Payment Accounts with.
4.2 TTo associate Payment Accounts with a Service Provider, the Service Provider will redirect you from their user interface to our interface. From here, you will need to undergo authentication with, and using the login credentials or other security credentials required by, your Payment Account Provider (“Payment Account Login Credentials”). The Payment Account Login Credentials needed may vary, depending on your Payment Account Provider. For each Service Provider you have associations with, you will be asked to associate a minimum of one Payment Account.
4.3 When associating one or more of your Payment Accounts with a Service Provider, you give explicit consent (as is required under payment regulations applicable to the Services) to: 1) us collecting Account Information from the Payment Accounts you choose and processing such Account Information, and 2) us transferring Account Information from associated Payment Accounts to that Service Provider.
4.4 The time to collect Account Information may vary depending on the time required for the identification required by the Payment Account Provider and the volume of information to be collected.
4.5 For on-going Data Sharing, you will need to renew your explicit consent at least every 90 days in order for us to access your Payment Account(s).
5. Access and control your data
5.1 If you wish to request a copy of your data or revoke your consent and request deletion of your data, you may do so at any time by emailing us at openbankingUK_Support@mastercard.com. We will process your request within the timeframe required by applicable law and confirm completion by email.
6. Role and independence of a Service Provider
6.1 We carry out no verification of, and do not take any responsibility for, the adequacy, quality or legality of any services agreed to be provided to you by a Service Provider under any Service Provider Agreement.
6.2 In relation to any Account Information sent by us to any Service Provider, you acknowledge that such information is sent at your request and that we have no responsibility for any acts or omissions of in relation to, or any use or misuse of such information by, such Service Provider.
6.3 AAny Service Provider is independent of us and does not act as our agent or have any authority to bind us in connection with these Terms or any aspect of the Services.
6.4 Sections 6.1, 6.2 and 6.3 do not apply when the Agent Services (as defined in section 2.1.2 above) are provided through a Service Provider acting as Agent on behalf of MCOBS UK. In such cases, we remain responsible for the acts and / or omissions of the Agent with respect to the provision of the Agent Services as if they were our own. However, when the Agent provides their own service(s) to you directly under the Service Provider Agreement, they are acting for themselves, independent of MCOBS UK (not acting as Agent), and sections 6.1, 6.2 and 6.3 will apply.
7. Receive payments
7.1 This section 7 (Receive payments) only applies if you are using the Services to provide us with the necessary information about your Payment Account for the subsequent purpose of receiving payments from a third party who uses a service from us to send a payment initiation instruction.
7.2 You can integrate our payment initiation services to enable you to receive payments directly from payment accounts of Payers (defined below at section 7.2.2) to improve your own services or products, if the following conditions are met.
7.2.1 To receive payments either: 1) you have an agreement with a Service Provider; or 2) you have agreed to the separate Terms with MCOBS UK on the integration of our payment initiation services into your own services or products. For the avoidance of doubt, the terms and conditions of any such agreement referenced above under 1) and 2) shall prevail in case of discrepancy between the terms of such an agreement and these Terms except where the terms and conditions relate to the provision by us to you of our regulated account information services, in which case these Terms shall prevail.
7.2.2 In order for you to be able to receive payments, the payer, a natural or legal person holds a payment account, instructs and consents to initiate a payment from that payment account (“Payer”) and has to accept our Terms for that payment initiation service and acknowledge that they have read and understood our Privacy Notice. It is within Payers’ control if they choose to initiate a payment, and we are in no regard responsible or liable for Payers initiating payment to you.
7.2.3 It is a prerequisite for you to receive payments, that you provide us with the necessary information about your Payment Account for receiving payments with a Payment Account Provider. We can only initiate payments to verified payment accounts. We verify the payment accounts by validating the ownership and identity of the person (whether natural or legal) who holds the payment account. You cannot receive any payments before verification is completed to the satisfaction, and in the sole discretion of, MCOBS UK. If you wish to change the details of your Payment Account for receiving payments at any time while you continue to meet the conditions set out in this section 7.2, then you can contact us directly (or via a Service Provider if section 7.2.1, 1) applies to you) and request us to undertake verification of your chosen replacement Payment Account.
7.2.4 You are fully responsible for ensuring that only payments of relevance in connection with the Payer’s relationship with you are made available for initiation by the Payer through the Services.
7.2.5 You shall fully adhere to applicable consumer rights legislation.
7.3 During such time as: you meet the conditions set out in section 7.2 and 7.2.1 and you have a verified Payment Account in accordance with section 7.2.3, upon request (by email to openbankingUK_Support@mastercard.com), we will continue to make available to you, account information services to enable you to obtain payment account data from that verified Payment Account. Such account information services will be provided to you by us in accordance with the sections of these Terms which apply to our account information services.
7.4 You are responsible for the ability to connect with and use the Services, including acquiring, installing and maintaining usable software, web-services and operating systems and hardware that are needed in order for you to use the Services. You are also responsible for compatibility between your updates or new versions of software and hardware where this is necessary for you to use the Services.
7.5 You will do your utmost to abide by, and you are solely responsible for complying with, all applicable laws when using the Services. When you are processing information on behalf of third party data subjects, you are fully responsible for obtaining any necessary consent in full compliance with the applicable legal requirements and rules or ensuring other legal basis for the use of the Services and the Account Information.
7.6 The Services are provided “as-is”, and we make no warranty as to your use of the Services. You assume any and all risk of using the Services. We provide no guarantee that the Services meet your specific requirements or for data quality, uptime or other metrics except as specifically described in these Terms. We have done our utmost to ensure that the Services comply with all applicable laws.
8. Fees
8.1 We do not charge for you for the use of the Services. Fees may, however, be imposed by Service Providers, your internet or mobile access provider or your Payment Account Provider, where you make use of Data Sharing. Such fees are solely a matter between you and the third party. Where we have arrangements in place with a third party in connection with the provision of the Services that third party may pay us fees for providing the Services.
9. Security measures
9.1 We unilaterally reserve the right to take appropriate measures, keep records of or suspend a transaction in the event of suspected illicit or criminal activity or security threats in respect of any Payment Account or use of the Services. This may include suspicion of abuse, fraud or money laundering. We undertake to investigate any usage irregularities as soon as possible. We may refuse, suspend or terminate your use of the Services pending the situation being resolved.
9.2 You agree to abide by the security requirements regarding your Payment Account Login Credentials set out by your Payment Account Provider and/or provider of the security credentials. If you suspect any abuse of your Payment Account Login Credentials, you must immediately contact your Payment Account Provider.
9.3 All communications made by you when using the Services are encrypted and your Payment Account Login Credentials are only forwarded to the selected Payment Account Provider. Access to and use of the Services are logged and other information is registered. We do not store the Payment Account Login Credentials you provide to your Payment Account Provider.
9.4 If you suspect any form of abuse of your use of the Services, please contact our support immediately at openbankingUK_Support@mastercard.com.
10. Intellectual property rights
10.1 Mastercard OB Services UK Limited is the owner or the licensee of all intellectual property rights in the Services and the Website and its content, and the Mastercard name and mark. All those aforementioned works are protected by copyright laws and treaties around the world. All such rights are reserved.
10.2 You are not granted any right to use, and may not use, any of our intellectual property rights other than as set out in these Terms.
10.3 No part of the Website may be copied, reproduced, republished, uploaded, re-posted, modified, transmitted or distributed or otherwise used in any way without our prior written consent.
11. Operations
11.1 The Services shall be provided in a professional manner, with reasonable skill and care, promptness and diligence and in accordance with all applicable law. Where the Services are dependent on third parties, including Service Providers and Payment Account Providers, no guarantees can be made as to time of performance of the Services.
11.2 We strive to avoid errors, defects and disruptions of the service on the Website at any time, including by monitoring IT performance and data quality. These may still occur and we would like to receive information on such matters so we can seek to remedy them as soon as reasonably possible.
11.3 Routine and emergency maintenance and updates on the Services and the Website are performed on an ongoing basis. During routine and emergency maintenance and updating, certain or all features may become temporarily unavailable. As part of an update, one or more features may be removed from the Services.
11.4 To the extent reasonably possible, information of expected major disruptions of the Services will be provided to you in advance, either on the Website or, if available to us, by your email address. The same applies to the possible removal of functions. We are not obliged to provide such information.
11.5 Content on the Website related to elements of the Services already provided is made available for information purposes only. We make no representations about the reliability, availability, timeliness or accuracy of such content. You are solely responsible for securing and backing up the information we make available to you relating to the Services that you access through the Website in accordance with these Terms.
11.6 We shall endeavour to ensure the Website and the Services are available on a 24/7 basis, but we make no representation, and give no warranty or undertaking, that the operation or availability of the Website will be uninterrupted or error-free. In particular, we shall not be liable or responsible for any unavailability or issue with the Website which is caused by: 1) your breach of these Terms; or 2) use of the Website contrary to our instructions; or 3) modification or alteration of the Website by any party other than us.
11.7 You acknowledge that we have no direct control over the availability of bandwidth over the entirety of the internet and that, while we will use such endeavours as we deem appropriate to facilitate access to the Website, we shall not be responsible for delays caused by such unavailability.
11.8 We do not guarantee that the Website will be totally secure or free from bugs or viruses.
11.9 You must not misuse the Website by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful.
11.10 You must not attempt to gain unauthorised access to the Website, any servers on which they are stored or any server, computer or database connected to the Website. You must not attack the Website via a denial-of-service attack or a distributed denial-of service attack. By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use the Website will cease immediately.
12. Withdrawal of consent
12.1 You may withdraw at any time one or more of the consents described in these Terms which you have given us. This can for example be regarding retrieval of Account Information from certain Payment Accounts. Withdrawal of consent for these purposes may be exercised through emailing us openbankingUK_Support@mastercard.comIf separately you wish to change your privacy preferences, please see our Privacy Notice.
12.2 Withdrawal of one or more of your consents may impair your use of the Services or the Website, or even make the Services or the Website unusable. Further, Service Providers may be impaired or unusable if you withdraw your consent for MCOBS UK to transfer Account Information to such Service Providers.
12.3 If you have questions or requests regarding a Service Provider’s processing of your data, or if you wish to make use of your legal rights regarding such processing, you should contact that Service Provider.
13. Liability
13.1 Nothing in these Terms excludes or limits our liability for:
13.1.1 death or personal injury caused by our negligence;
13.1.2 fraud or fraudulent misrepresentation; and
13.1.3 any matter in respect of which it would be unlawful for us to exclude or restrict our liability.
13.2 If we fail to comply with these Terms, we are responsible for loss or damage you suffer that is a reasonably foreseeable result of our breach of these Terms or our negligence, but we are not responsible for any loss or damage that is not reasonably foreseeable. Loss or damage is reasonably foreseeable if it was an obvious consequence of our breach or if it was contemplated by you and us at the time that you used the Services.
13.3 We accept no responsibility for any inaccuracy, omission or deficiency in any Account Information supplied to us by a Payment Account Provider for onward transmission under the Services.
13.4 We shall never be liable for non-compliance with these Terms or for damages or losses in case of force majeure or caused by circumstances beyond our control, for example, virus outbreaks or hacker attacks, crashes or errors in communication systems, power failure, government interventions or restrictions, court injunctions, strikes or lockout, subcontractors' force majeure and other unforeseen events that we could not reasonably predict or avoid.
13.5 We are not liable to users of the Services and/or the Website in the event of errors, defects, malfunctions or removal of functionality besides what follows on MCOBS UK’s liability under applicable law.
13.6 Nothing in these Terms of Use affects your statutory rights. Advice about your statutory rights is available from your local Citizens' Advice Bureau or Trading Standards Office.
13.7 To the extent permitted by applicable laws, our total aggregate liability to you for all and any damages, losses or causes of action arising out of or in connection with the Agreement, shall not exceed £250.
14. Communication between us and you
14.1 You accept that communication between you and us may be online or through email. The Agreement and these Terms have been entered into in English and we will communicate with you in English.
14.2 Where relevant, we may send you information or notification regarding the Services, e.g. with confirmations or regarding changes to these Terms via the email address you provided.
14.3 If your contact details change, you should tell us as soon as you can. You are responsible for maintaining and regularly checking your email inbox for notifications.
14.4 With your consent, we may also send newsletters, messages about new features and other material related to MCOBS UK to your email address and/or via push messages.
15. Changes to these Terms of Use
15.1 We may amend these Terms from time to time (if, for example, there is a change in the law that means we need to change these Terms). If we update these Terms, we will notify you by email address and, from 60 days onwards after our notification, the changes will apply to the provision of the Services and access to the Website. No action is needed by you to accept the changes to the Terms. If you do not agree with the proposed changes to the Terms, you must tell us that you reject the changes at openbankingUK_Support@mastercard.com before the changes take effect, i.e. within 60 days of our notification of the changes, in which case the Agreement shall immediately terminate at the time when such changes would otherwise have taken effect and the Services shall cease to be available to you. If you do not contact us to request termination, you will be deemed to have accepted the changes to the Terms and the Agreement.
15.2 Every time you use the Services or access the Website, please check section 21 below for the then current Terms to ensure you understand the Terms that apply at that time.
16. Confidentiality
16.1 We will keep any Account Information to which we gain access in the provision of the Services confidential and will take technical and organisational measures to ensure the security of such information which are appropriate to the level of risk. In assessing the appropriate level of security, we will take into consideration the state of the art, the costs of implementation and the nature, scope, context and purposes of its holding, processing and transmission of such information, the risks to you that are presented by such holding, processing and transmission, in particular from accidental or unlawful destruction, loss, alteration, unauthorised disclosure of, or access to such information so transmitted, stored or otherwise processed. Notwithstanding the foregoing and subject to our Privacy Notice, we may use, and make such disclosure of, such information as necessary to deliver, modify, adjust, test or improve the Services and may disclose such information: 1) to employees, consultants, and subcontractors that have a need to know such information (including to facilitate the permitted purposes described above), provided that we will advise each of such employees, consultants and subcontractors of their obligations to keep such information confidential; 2) as required by any competent authority; and 3) to the extent that we are legally compelled to disclose such information.
17. Term and termination
17.1 If you no longer wish to use the Services, you may end this Agreement at any time, free of charge. You can do this by emailing us at openbankingUK_Support@mastercard.com. Once we receive your request, we will revoke your consent(s), delete your data, and terminate the Agreement
17.2 For One-time Users, the Agreement is terminated immediately after use of the Services.
17.3 We may terminate this Agreement at any time by giving you at least ninety (90) days’ prior written notice, setting out the specific reasons for termination. The notice will also inform you of your right to complain to us and to the Financial Ombudsman Service.
Where permitted by law, we may terminate this Agreement without giving any prior notice (for example, where you have knowingly provided incorrect information to us).17.4 For on-going Data Sharing, if you do not renew your explicit consent (in accordance with section 4.6 above) and 90 days pass after your consent expires, we may consider the Agreement as terminated by you and we may subsequently delete your information.
17.5 Upon termination, we will delete or anonymise your data, including your information associated with transactions and accounts, in accordance with the Privacy Notice, and the data cannot be restored. You cannot make any claim against MCOBS UK if your data is deleted. You can find the Privacy Notice Privacy Notice - Mastercard OB Service UK.
17.6 If you breach any term of these Terms, we may at any time and without notice do any or all of the following (without limitation):
17.6.1 suspend or terminate your use of the Services (if you are in material or repeated breach of these Terms);
17.6.2 issue legal proceedings against you for reimbursement of all costs resulting from the breach (including, but not limited to, reasonable administrative and legal costs);
17.6.3 take further legal action against you; and/or
17.6.4 disclose such information to law enforcement authorities as we reasonably feel is necessary to disclose.
For the purpose of this section 17.6, ‘material breach’ shall include but not be limited to abuse, or attempt to, abuse the Services, actions or omissions by you which could le
ad to damages to MCOBS UK or any third party as well as any other illegal behaviour. We will, where circumstances allow for this, notify you of suspension of the Agreement.
17.7 If we withdraw your right to use the Services and to access the Website all rights granted to you under these Terms of Use and the Agreement shall cease.
17.8 Your right to use the Services so far as they relate to any specific Service Provider shall be automatically terminated if any relationship which we operate with such Service Provider relating to the provision of the Services to you is terminated.
18. Other important terms
18.1 We have the right to transfer our rights and obligations under the Agreement.
18.2 You have the right, upon request, to receive a copy of these Terms. Contact us at openbankingUK_Support@mastercard.com with your request.
18.3 These Terms, together with any other terms you accept by using the Services, constitute the entire agreement between us and you in relation to its subject matter. They replace and extinguish all prior agreements, collateral warranties, collateral contracts, statements, representations and undertakings made by or on behalf of either us or you, whether oral or written, in relation to that subject matter.
18.4 You and we acknowledge that in entering into the Agreement, no reliance has been placed upon any collateral warranties, collateral contracts, statements, representations or undertakings, whether oral or written, which were made by or on behalf of the other party in relation to the subject matter of the Agreement and which are not set out in the Agreement. Each of us waives all rights and remedies which might otherwise be available to us in relation to any such collateral warranties, collateral contracts, statements, representations or undertakings.
18.5 If we fail to insist that you perform any of your obligations under these Terms, or if we do not enforce our rights against you, or if we delay in doing so, that will not mean that we have waived our rights against you and will not mean that you do not have to comply with those obligations. If we do waive a default by you, we will only do so in writing, and that will not mean that we will continue to waive such default indefinitely or that we will automatically waive any later similar or other default by you.
18.6 If any provision of these Terms is found invalid or unenforceable by any court or relevant authority, such shall not affect the other provisions of these Terms which shall remain in full force and effect.
19. Complaints and making contact
Making a complaint
19.1 WWe care about our customers and we are keen to answer any questions or to know if you are dissatisfied with the service. If you wish to complain, please contact us at openbankingUK_Complaints@mastercard.com, stating “Complaint” as the subject field of your email, or by writing to us with “Complaint” as the subject, at:
Attention: Complaints Officer
Mastercard OB Services UK Limited
1 Angel Lane
EC4R 3AB
London, UK
We will try to resolve the matter and avoid it happening again.
19.2 2 If your complaint relates to the Services, we will send you a final response within 15 business days of your complaint. In exceptional circumstances, we will send you a holding reply specifying the deadline by which you will receive our response, being not later than 35 business days from the date of your initial complaint. If you do not receive our final response or you are unhappy with our final response, you may be able to refer the matter to the Financial Ombudsman Service ("FOS"). You can contact the FOS at: The Financial Ombudsman Service, Exchange Tower, London, E14 9SR, UK or by email:complaint.info@financial-ombudsman.org.uk or by calling them on: 0800 023 4567.
19.3 If you do refer your complaint to the FOS, this will not affect your right to take legal action.
Exercising your privacy rights
19.4 To exercise your privacy rights, please see our Privacy Notice.
Other contact or queries
19.5 You can contact us at openbankingUK_Support@mastercard.com or at our postal address in section 19.1 above. We can email you at any email address you have given us.
20. Governing law, jurisdiction and disputes
20.1 Unless otherwise required by mandatory laws in your country of residence, the Agreement (and any non-contractual disputes/claims arising out of or in connection with it) is subject to the laws of England and Wales, without regard to choice or conflicts of law principles.
20.2 Further, you and we agree to the jurisdiction of the courts of England and Wales to resolve any dispute, claim, or controversy that arises in connection with the Agreement and these Terms (and any non-contractual disputes/claims arising out of or in connection with either of them), except where under applicable mandatory laws, you can choose to bring legal proceedings in your country of residence, or we are required to only bring legal proceedings in your country of residence.
21. Version
21.1 These Terms took effect in January 2026 and are valid until new terms are published.
